Auto insurance that fits your car, your record, and your budget
North Carolina requires liability insurance on every registered vehicle — but the policy that's right for you depends on what you drive, who drives it, and what you can afford if something goes wrong. As an independent agency, we quote your car with more than 40 insurance companies and tell you honestly which offer fits you best.
What can an auto policy include?
- Liability: the coverage NC requires, paying for injuries and damage you cause to others
- Collision: repairs to your own car after an accident
- Comprehensive: theft, vandalism, hail, flood, hitting a deer
- Uninsured / underinsured motorist: required in NC, protects you when the other driver has little or no insurance
- Medical payments, rental reimbursement, towing and roadside
What North Carolina requires
- Liability insurance on every registered vehicle, with no gaps in coverage
- Minimum limits for policies issued or renewed since July 1, 2025: $50,000 per person and $100,000 per accident for injuries, and $50,000 for property damage (50/100/50)
- Uninsured and underinsured motorist coverage, at least equal to those limits
- The minimum is the floor, not a recommendation. A serious accident can cost far more
ITIN or matrícula consular? We can help
- We work with clients who have an ITIN or a matrícula consular
- Tell us what ID you have when you ask for a quote, and a licensed agent will explain your options
- Everything explained in Spanish or English
Before you cancel or let a policy lapse
- Turn in your license plate to NCDMV before you cancel your insurance. Canceling first brings a fine
- If your coverage lapses, NCDMV sends a notice. Not responding can lead to plate revocation, civil penalties and fees
- If you actually had coverage, your insurance company can send NCDMV a certificate (FS-1) to clear the record. Call us and we'll help you request it
What affects your price?
- Your driving record. Tickets and accidents add points under NC's Safe Driver Incentive Plan, and since July 1, 2025 some of those surcharges last 5 years
- Driving experience. Drivers first licensed on or after July 1, 2025 can pay an inexperienced-driver surcharge for up to 8 years, lower after the third year
- The vehicle, where it's kept and how much it's driven
- The coverage and deductibles you choose
What should you have ready for a quote?
- License information for every driver in your household
- Year, make, model and VIN of each vehicle
- The address where the vehicles are kept
- Your current policy's declarations page, if you have one
- Any tickets or accidents in the last 3 to 5 years
Clean record or not, new license or 30 years of driving, we'll compare the carriers we represent and show you your real options. A licensed agent will explain what each coverage means for you.